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American Bank And Trust Company Inc

IDRSSD: 2919898
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q3QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #2919898 2024-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.95% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +1
65
Sub-score

Liquidity is stable: brokered 8.6%, loans/deposits 93.4%, cash 2.0% of assets.

Cash / Assets
1.95%
Loans / Deposits
93.43%
Brokered %
8.65%

Watch Items

  • watchCash / Assets below 3% — Cash 1.95% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.58%
No watch items at this period.

Capitalization

WatchQoQ 0
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.48%, CET1 10.48%, leverage 9.07%.

Tier 1 RBC
10.48%
CET1
10.48%
Leverage
9.07%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.35%, Texas Ratio 2.9%, NCO YTD 0.00%.

Adjusted NPL
0.35%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
0.00%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
78
Sub-score

Reserves are stable: ALLL 0.85% of loans, coverage 243.7%, true coverage 219.5%.

ALLL / Loans
0.85%
Coverage
243.7%
True Loss Coverage
219.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 03:52:05 UTC